TATata Capital
Area Manager - Credit Operations
Indore ₹3-7 LPA Posted 8 May 2025
FULL TIME
Payment Processing
Credit Operations
Credit Processing
Job Description
- End-to-End Credit & Operations Oversight with thorough knowledge of credit policy and process.
- Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC.
- Ensuring gating rejections in line with credit policy and close monitoring on login quality.
- Ensuring timely initiation of internal reports and checks as mandated by credit policy.
- Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy.
- Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines.
- Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing.
- Identify and rectify process gaps to enhance efficiency and accuracy.
- Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required.
- Ensure compliance with regulatory requirements and internal controls.
- Work on Loan Origination System (LOS) and Finnone for loan processing.
- Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting.
- Support digital initiatives to streamline credit-operations processes and improve efficiency.
- Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region.
- Ensure regular training and upskilling of CPAs to enhance process knowledge and efficiency.